Fremont, NE · Cert 17639 · First State Fremont Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Market Position · Omaha, NE-IA · 2026 SOD (annual) · 0.3% share · #38 of 77 inst. · $0.1B of $42.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.16% | 1.12% | 1.22% | 1.36% | 1.44% | 1.39% | 1.44% | 1.59% | +23 bps | |
| Return on Equity | 11.59% | 11.23% | 12.26% | 13.75% | 14.39% | 13.77% | 13.81% | 15.26% | +152 bps | |
| Net Interest Margin | 3.66% | 3.69% | 3.83% | 3.94% | 3.92% | 3.99% | 4.13% | 4.21% | +26 bps | |
| Efficiency Ratio | 61.30% | 62.76% | 60.14% | 59.45% | 58.31% | 60.81% | 60.42% | 57.64% | -181 bps | |
| Non-Interest Burden | 1.91% | 2.00% | 1.98% | 2.01% | 1.94% | 2.09% | 2.16% | 2.07% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.72% | 4.29% | 6.63% | 9.33% | 7.45% | 6.61% | 4.27% | 3.40% | -593 bps | |
| Loan Growth (YoY) | 7.28% | 4.29% | 5.19% | 9.24% | 9.85% | 8.19% | 6.08% | 3.57% | -567 bps | |
| Deposit Growth (YoY) | 5.68% | 4.08% | 6.56% | 9.49% | 7.47% | 5.77% | 3.81% | 2.52% | -697 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.13% | 0.21% | 0.52% | 0.20% | 0.06% | 0.10% | 0.19% | 0.16% | -4 bps | |
| Net Charge-Offs / Loans | 0.01% | -0.01% | 0.01% | 0.00% | 0.05% | 0.04% | 0.01% | 0.01% | 0 bps | |
| Allowance / Loans | 1.67% | 1.74% | 1.74% | 1.64% | 1.62% | 1.62% | 1.67% | 1.61% | -2 bps | |
| Allowance Coverage of NPLs | 13.4x | 8.3x | 3.4x | 8.2x | 25.1x | 16.3x | 8.6x | 10.2x | +2.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.49% | 9.43% | 9.45% | 9.53% | 9.41% | 9.55% | 9.55% | 9.77% | +24 bps | |
| Total Risk-Based Capital | 9.49% | 9.43% | 9.45% | 9.53% | 9.41% | 9.55% | 9.55% | 9.77% | +24 bps | |
| Equity / Assets | 10.30% | 9.83% | 10.04% | 9.81% | 10.29% | 10.44% | 10.38% | 10.44% | +63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 85.13% | 85.00% | 83.89% | 85.56% | 87.02% | 86.95% | 85.72% | 86.43% | +87 bps | |
| Liquid Assets / Assets | 2.47% | 1.82% | 3.30% | 2.96% | 1.82% | 1.50% | 2.11% | 2.03% | -94 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 349% | 340% | 339% | n/a | n/a | |